Using Personalized Letters and Emails to Increase Health Insurance Take-up and Improve Plan Choice Quality in California's ACA Marketplace
试验速览
- 阶段
- 不适用
- 状态
- 已完成
- 发起方
- 入组人数
- 44,000
- 试验地点
- 1
- 主要终点
- Percent of households enrolled in an ACA plan
研究概览
简要总结
With the passage of the American Rescue Plan (ARP) in March 2021, more consumers than ever before are now eligible for $0 -- or $1 per member per month (PMPM) in Marketplaces that include abortion coverage -- health insurance coverage across the ACA Marketplaces. But many individuals may not be aware of the new subsidies, or of their eligibility for Cost-Sharing Reduction (CSR) Silver plans. This project's goal is to examine whether personalized letters and email reminders can increase health insurance enrollment, CSR Silver take-up and $1 PMPM coverage.
研究设计
- 研究类型
- Interventional
- 分配方式
- Randomized
- 干预模型
- Parallel
- 主要目的
- Other
- 盲法
- Single (Participant)
入排标准
- 性别
- All
- 接受健康志愿者
- 否
入选标准
- •Submitted a Covered California application for the 2021 coverage year and found eligible for a $1 PMPM Enhanced Silver 94 plan
排除标准
- 未提供
研究组 & 干预措施
Control
Households in the control group did not receive any messages during the intervention period from June 2021 to August 2021
干预措施: Control group (Behavioral)
Generic Outreach
Households in the generic outreach group were assigned to receive a letter and two email reminders in June 2021 and thereafter received the standard messages Covered California sends to prospective enrollees, which explain that nearly all Covered California members get subsidies to pay for health insurance and encourage them to explore their plan options using an online Shop & Compare tool.
For the generic arm, the outreach materials described new financial assistance under the American Rescue Plan and noted the availability of plans as low as $1/month.
干预措施: Emails and letter intervention (Behavioral)
Personalized Outreach
Households in the personalized outreach group were assigned to receive a letter and two email reminders in June 2021 and thereafter received the standard messages Covered California sends to prospective enrollees.
For the personalized arm, the outreach explicitly informed the household that they were eligible for a $1/month CSR Silver 94 plan and described the benefits this plan confers. The outreach materials for the personalized group were not only designed to increase enrollment, but also to simplify the search process by providing households with a clear recommendation to pick a CSR Silver plan; this included highlighting the low out-of-pocket costs these plans provide when accessing care, a screenshot of what the plan would look like when they entered the shopping portal and peer comparison language that noted 9 out of 10 consumers like them choose CSR Silver plans
干预措施: Emails and letter intervention (Behavioral)
结局指标
主要结局
Percent of households enrolled in an ACA plan
时间窗: Three months
Percent of households enrolled in an ACA plan based on Covered California administrative data
Percent of households who chose a CSR Silver plan
时间窗: Three months
Percent of households in a CSR Silver plan based on Covered California administrative data
Percent of households who enrolled in a $1/month net-of-subsidy premium plan
时间窗: Three months
Percent of households who enrolled in a $1/month net-of-subsidy premium plan based on Covered California administrative data
次要结局
- Percent of households who logged into their online account(Three months)
研究者
Andrew Feher
Research Scientist
Office of Evaluation Sciences